UPS vs NPS Calculator 2026
Compare guaranteed pension under the Unified Pension Scheme with the market-linked National Pension System.
Side-by-Side Guaranteed vs Market Lump Sum + Pension
UPS — Unified Pension Scheme
Monthly Pension
₹41,711
- • 50% of avg Basic of last 12 months (25+ yrs)
- • Proportionate for 10–25 yrs
- • Minimum guaranteed: ₹10,000/mo
- • Lump sum: ₹46,54,971
- • Family pension: ₹25,027/mo (60%)
- • Dearness Relief: Yes
- • Govt contribution: 18.5%
NPS — National Pension System
Monthly Pension
₹67,825
- • Corpus at retirement: ₹3,39,12,609
- • 60% lump sum (tax-free): ₹2,03,47,566
- • 40% in annuity → monthly pension
- • Family pension: per annuity option
- • Dearness Relief: No
- • Govt contribution: 14%
Verdict
UPS gives ₹41,711/month guaranteed pension (with DR), vs NPS estimated ₹67,825/month (market-dependent, no DR).